Volkswagen Tiguan Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 13, 2024

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Volkswagen Tiguan insurance
How much is car insurance for a Volkswagen Tiguan? A  Volkswagen Tiguan insurance cost for a full coverage policy is $1,336 a year, or $111 a month. Our comprehensive guide goes over what factors affect VW Tiguan insurance rates, so read on to learn more about vehicle insurance.

Want to jump right into finding cheap Volkswagen Tiguan insurance rates? Enter your ZIP code in our free tool above.

Estimated auto insurance rates for a Volkswagen Tiguan are $1,136 annually including full coverage. Comprehensive costs around $230 each year, collision costs $380, and liability is estimated at $390. A policy with only liability insurance costs approximately $438 a year, with a high-risk policy costing around $2,452. Teens pay the most at $4,314 a year or more.

Average premium for full coverage: $1,136

Premium estimates for type of coverage:

Comprehensive $230
Collision $380
Liability $390

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Tiguan models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Volkswagen Tiguan go from as cheap as $438 for just liability coverage to a high rate of $2,452 for high-risk insurance.

Liability Only $438
Full Coverage $1,136
High Risk $2,452

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how location impacts auto insurance rates.

Rural Areas $852
Small Cities $1,193
Large Cities $1,534

These rate differences highlight why all drivers should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

The chart below breaks down estimated Volkswagen Tiguan insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $661
  • Choosing higher $1,000 deductibles can save about $140 every year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,136
  • Selecting low deductibles for comp and collision coverage will cost $1,402
  • Higher-risk drivers with serious driving violations could pay at least $2,452 or more
  • An auto insurance policy with full coverage for a 16-year-old driver can be $4,314 each year

View Chart as Image

Volkswagen Tiguan insurance cost comparison chart
Column chart showing full coverage Volkswagen Tiguan insurance rates range from $661 to $4,314

Car insurance prices for a Volkswagen Tiguan also have a wide range based on the model of your Tiguan, your driving characteristics, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $4,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,300 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers ranges from 44% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $410 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Volkswagen Tiguan insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,620 on average in Michigan, New York, and Louisiana.

Volkswagen Tiguan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,028 -$108 -9.5%
Alaska $870 -$266 -23.4%
Arizona $940 -$196 -17.3%
Arkansas $1,136 -$0 0.0%
California $1,294 $158 13.9%
Colorado $1,084 -$52 -4.6%
Connecticut $1,166 $30 2.6%
Delaware $1,284 $148 13.0%
Florida $1,416 $280 24.6%
Georgia $1,050 -$86 -7.6%
Hawaii $814 -$322 -28.3%
Idaho $770 -$366 -32.2%
Illinois $844 -$292 -25.7%
Indiana $854 -$282 -24.8%
Iowa $764 -$372 -32.7%
Kansas $1,078 -$58 -5.1%
Kentucky $1,548 $412 36.3%
Louisiana $1,680 $544 47.9%
Maine $702 -$434 -38.2%
Maryland $938 -$198 -17.4%
Massachusetts $906 -$230 -20.2%
Michigan $1,970 $834 73.4%
Minnesota $952 -$184 -16.2%
Mississippi $1,358 $222 19.5%
Missouri $1,008 -$128 -11.3%
Montana $1,218 $82 7.2%
Nebraska $894 -$242 -21.3%
Nevada $1,362 $226 19.9%
New Hampshire $820 -$316 -27.8%
New Jersey $1,268 $132 11.6%
New Mexico $1,004 -$132 -11.6%
New York $1,196 $60 5.3%
North Carolina $654 -$482 -42.4%
North Dakota $930 -$206 -18.1%
Ohio $782 -$354 -31.2%
Oklahoma $1,166 $30 2.6%
Oregon $1,040 -$96 -8.5%
Pennsylvania $1,080 -$56 -4.9%
Rhode Island $1,514 $378 33.3%
South Carolina $1,030 -$106 -9.3%
South Dakota $958 -$178 -15.7%
Tennessee $992 -$144 -12.7%
Texas $1,368 $232 20.4%
Utah $840 -$296 -26.1%
Vermont $776 -$360 -31.7%
Virginia $680 -$456 -40.1%
Washington $878 -$258 -22.7%
West Virginia $1,040 -$96 -8.5%
Wisconsin $782 -$354 -31.2%
Wyoming $1,010 -$126 -11.1%

View Chart as Image

Volkswagen Tiguan insurance rates by U.S. city

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each auto insurer calculates prices differently, so rate quotes will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Volkswagen Tiguan Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volkswagen Tiguan S 2WD $1,074 $90
Volkswagen Tiguan S 2WD $1,074 $90
Volkswagen Tiguan SE 4Motion AWD $1,136 $95
Volkswagen Tiguan SEL 4Motion AWD $1,196 $100

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Volkswagen Tiguan Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volkswagen Tiguan $306 $542 $332 $1,316
2023 Volkswagen Tiguan $294 $536 $338 $1,304
2022 Volkswagen Tiguan $284 $524 $354 $1,298
2021 Volkswagen Tiguan $274 $502 $364 $1,276
2020 Volkswagen Tiguan $260 $484 $376 $1,256
2019 Volkswagen Tiguan $250 $450 $384 $1,220
2018 Volkswagen Tiguan $240 $424 $388 $1,188
2017 Volkswagen Tiguan $230 $380 $390 $1,136
2016 Volkswagen Tiguan $214 $350 $390 $1,090

Rates are averaged for all Volkswagen Tiguan models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Best Cheap Volkswagen Tiguan Insurance

Finding better rates on insurance for a Volkswagen Tiguan takes having a decent driving record, having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Spend time shopping around every couple of years by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following items are a quick review of the material that was touched on above.

  • Insureds who may need additional liability coverage will pay approximately $430 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
  • 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $360 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,320 more every year than a driver with a clean driving record
  • Increasing policy deductibles could save up to $400 each year

Frequently Asked Questions

Is the VW Tiguan underpowered? It comes equipped with 184-horsepower 2.0-liter turbocharged four-cylinder engine which makes it great for around the town driving but not for anything more heavily performance driven.

Are Volkswagen Tiguans good cars? Car.com has them ranked in the middle of the pack for compact SUV ratings.

How long does the average Tiguan last? The life of the car depends on well you maintain and maintenance it.

As you can see, there are multiple factors that affect rates. If you need help finding cheap VW Tiguan insurance cost, use our free tool below. It will help you find everything from Volkswagen Tiguan 2018 cost of insurance to 2012 Volkswagen Tiguan cost of insurance.

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Read on to learn more about what determines the price of car insurance.

What are the safety ratings of the Volkswagen Tiguan?

The Volkswagen Tiguan has multiple safety features, which can reduce the cost of insurance:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Blind Spot Monitor

Are you wondering how much does a Tiguan cost? This price tag will depend slightly on safety features. The cost of a VW Tiguan 2018 will be better than a 1990 model, as the 2018 Tiguan will have more safety features.

The Volkswagen Tiguan also has a great crash test rating from the Insurance Institute for Highway Safety (IIHS). It won a 2020 Top Safety Pick award from the IIHS for its following crash test ratings:

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side: Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Good is the highest rating possible, so the Volkswagen Tiguan did great. The video below shows an example of one of the Volkswagen Tiguan crash tests.

Volkswagen Tiguan Compared Against Other Vehicles in the Same Class

The Volkswagen Tiguan is a midsize SUV, which means it isn’t likely to do serious damage to other vehicles. According to the IIHS, the Volkswagen Tiguan’s property damage liability losses and bodily injury liability losses are both substantially better than other midsize SUVs.

Take a look at the other midsize SUVs below to see how their rates compare.

Ready to start getting quotes to find out how much does a VW Tiguan cost to insure?
Whether you are looking for the insurance cost of a VW Tiguan 2018 or the insurance cost of a VW Tiguan 2017, getting quotes will help you discover which cars are cheapest to insure. To get started, enter your ZIP code.

References

  1. https://www.iihs.org/ratings/vehicle/volkswagen/tiguan-4-door-suv/2020

Rates by Driver Age

Volkswagen Tiguan Insurance Rates by Driver Age
Driver Age Premium
16 $4,314
20 $2,608
30 $1,176
40 $1,136
50 $1,038
60 $1,018

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Tiguan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,402
$250 $1,278
$500 $1,136
$1,000 $996

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Tiguan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,136
50/100 $1,274
100/300 $1,372
250/500 $1,625
100 CSL $1,313
300 CSL $1,528
500 CSL $1,684

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Tiguan Insurance Rates for High Risk Drivers
Age Premium
16 $6,140
20 $4,154
30 $2,500
40 $2,452
50 $2,340
60 $2,318

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $157

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $60
Multi-vehicle $60
Homeowner $18
5-yr Accident Free $80
5-yr Claim Free $73
Paid in Full/EFT $49
Advance Quote $55
Online Quote $80
Total Discounts $475
Rate after discounts $661

Discounts are estimated and may not be available from every company or in every state.

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